Starting this month there are some new credit card rules you should know about. Here is the whole story from CNN.com.

WASHINGTON (CNNMoney.com) — Antoine Perretta, a 21-year-old University of Denver student, regularly pays off his three credit cards, to build up his credit score. He’s working toward getting an affordable loan to buy a car, a used black Audi.

Sarah Bush got her first credit card at 20 and and has “regretted it ever since.” A student at Belmont University in Nashville, Tenn., she is now 24 and enrolled in a debt management program, which has helped her whittle credit card debt down to $7,500.

For better or worse, new laws that take effect on Monday are poised to curb the proliferation of credit cards on college campuses, making it tougher for Perretta, Bush and other students to get credit cards.

Last May, Congress decided to crack down on credit card companies and passed a law ushering in sweeping changes for the industry. The laws make it harder for card issuers to raise interest rates unless a cardholder is at least two months late on a bill.

But some of the biggest changes will hit those under 21, who will find it tougher to get a credit card without jumping through new hoops.

No longer will students be able to step up to a table on campus and walk away with a teddy bear, T-shirt and credit card, at least not without a parent’s signature or proof of solid income or other assets.

Consumer advocates say the new laws are a good change that will prevent students from starting new careers overloaded with debt.

The average student credit card balance was $3,173 in 2008, up from $1,879 a decade earlier, according to a 2009 survey by student loan issuer Sallie Mae.

But many college students worry that the new laws will make it tougher for them to get credit cards, period.

With the country still struggling under tough economic conditions, more students are using credit cards to pay for tuition, books, commutes and room and board, the Sallie Mae report showed.

“It’s my safety line,” said Zachary Allen, 19, a business administration sophomore at Saint Leo University in Saint Leo, Fla. “I use my credit card for everything, from gas to my books to food and clothes.”

Allen has a good summer job working on the back of a garbage truck in Long Island, N.Y., that earns him $15,000 a year. But he can’t convince his bank to raise his credit limit above $700, and he’s been denied for other new cards.

“We’re at record high unemployment for our age group and the government is spending billions of dollars a month, but they’re not helping students,” Allen said. “Why isn’t Congress helping us instead putting more constraints and pressure on us?”

Game changer

The biggest new obstacle for those under 21 will be getting a co-signer, which can be a parent or any adult willing to put his own credit score on the line.

If those under 21 can’t get a co-signer, then they need to show they have the financial ability to pay off a credit card. Banks will determine that threshold.

Gone will be the stuffed bears, T-shirts, backpacks and water bottles that used to clutter credit card application tables on campuses, because the law also prohibits such tangible “inducements” to tempt students.

The law will continue to allow those under 21 to apply online for credit cards, but they still have to meet the tougher new requirements, according to Federal Reserve rules and banks.

Consumer advocates herald the rules and say they will stem the tide of newly graduated students over-burdened by credit card debt they weren’t quite ready for.

“I think it’s going to keep a lot of students from getting into trouble,” said Irene Leech, an associate professor in consumer studies at Virginia Tech University. “I hope it means we’ll have more responsible lending and parents don’t get surprised that a young person has taken out this debt.”

The law comes too late for Gloria McDonald of Crestline, Ohio, who was surprised to discover her daughter, a student at Ohio University at Athens, Ohio, had maxed out five credit cards, racking up $8,000 of debt at a 23.99% interest rate. McDonald had to borrow against her life insurance policy to pay down the debt.

“I cannot believe that these card companies were allowed to take such advantage of college kids,” McDonald said. “How could they possibly issue cards with high credit limits to kids with no visible means of support.”

Consequences

It’s unclear whether or not the new law will prevent students from getting access to credit, generally, even if they meet the new mandates.

Banks have already pulled back from issuing as many cards to the student market, in the same way that they’re pulling back from lots of areas they now consider risky.

“We’re in a transition period, so it’s hard to predict,” said American Bankers Association spokesman Peter Garuccio. “But it’ll be tougher for some folks to get credit cards. That may include young adults.”

But some states already have even stronger laws already in place. For example, in New York, all colleges must prohibit any on-campus marketing of credit cards to students. Texas allows such marketing in “designated areas,” but requires credit cards that do market on campus to also provide financial literacy programs.

A free backpack and water bottle drew Rosa Nunez who, at 18, was given a credit card with a $8,500 limit, as she walked past the front entrance of LaGuardia Community College in New York.

It was a learning experience. At one point, she took a vacation she couldn’t really afford that made it difficult for her to buy books when she returned. Nine years later, she’s grateful for access to credit cards, which allowed her to build up a good credit score and buy a house in Queens at 27.

“I do agree there should be new standards in place. Freshman shouldn’t get credit limits of $5,000, it should be appropriate to their income,” said Nunez who is finishing her marketing degree this year at Baruch College in New York. “However, I don’t agree that it should be so difficult for them to get credit at all.” 

So what are these fees anyways.  They are called junk fees. Below is a description of what a junk fee is.

Nebulous charges assessed at the closing of a mortgage that go to the originator or lender. These fees are hidden in the mortgage documents and are usually assessed as raw dollars rather than “points” or a percentage of the loan. Junk fees may or may not pay for an actual service to the borrower, but they typically are not known to the borrower prior to signing. Some common fees that may be considered junk fees include settlement fees, sign-up fees, underwriting fees, funding fees, translation fees and messenger fees.

Also known as “padding fees” or “garbage fees”.

The idea behind junk fees is that at the end of the mortgage signing process, the borrower is already committed to signing the loan and will not walk away from the table. Junk fees, however, may not necessarily be noted in the good faith estimate the borrower receives a few days prior to closing.

Most junk fees are nominal compared to mortgage points and other major closing costs.

So  what can you do about these fee, ask your bank, title company and lawyer to waive these fee. I have and most of the times they have or I have been able to negotiation them down.

Here is the article from SmartMoney (January 12, 2010).

The Future of Plastic: 5 Credit Trends for 2010

If 2009 was the year of hammering out credit-card reform, 2010 will be the year consumers feel the effects of those changes.

The CARD Act goes into effect on Feb. 22 and with it come stronger consumer protections. Banks will no longer be able to raise interest rates during the first 12 months after opening an account – or hike rates on pre-existing balances altogether. Credit-card payments, if exceeding the minimum, will be allocated to the higher-rate balances first. Monthly statements will become easier to understand and the ability to issue credit cards to college students will be severely restricted. (For a more detailed outline of the new rules, click here.)

But these new safeguards will come at a price. Although card issuers focused last year on making sure they’ll be in compliance with the new law, now they will have to figure out how to make money given the changes in their business, says Dennis Moroney, a research director at financial-services research group TowerGroup. This “will be the year of transition for the banks,” he says.

Consumers have already gotten a hint of what’s to come. As soon as President Obama signed the CARD Act into law last year, banks sprung into action, hiking interest rates across the board and switching their APR formulas from fixed to variable rates. They’ve already found loopholes in the new law, including a creative way of charging a penalty APR as soon as a payment is one day late and continuing to implement the soon-to-be prohibited practice of double-cycle billing.

Here’s what else consumers can expect from their credit-card issuers in 2010.

1. Punishing inactivity

Using your credit cards wisely used to mean keeping your balances low relative to your available credit, and locking your cards in a drawer was deemed smart. Today, the wise use of credit entails something entirely different: making sure those cards don’t stay in the drawer for too long.

As card issuers face growing restrictions in an economic environment that remains challenging, this year they will place an even stronger focus on inactive accounts, reducing credit limits, introducing inactivity fees or closing them altogether, says Robert Hammer, the chief executive officer of R. K. Hammer, a bank-card advisory firm. Why? Inactive accounts are a losing proposition for card issuers: They’re not making any money off you from interest payments or interchange fees, but they have to spend money on printing and mailing you things like account notifications or statements. More importantly, such accounts leave them open to the risk that you will lose your job, max out the card and leave the bank holding the bag.

To keep all your accounts active, Hammer recommends rotating your different cards each month.

2. Looking beyond credit scores

Just a few years ago, the main factors in determining your credit-card interest rate and credit limit were your credit score and payment history. Now, issuers take a lot more into account when evaluating their existing and prospective card holders’ risk profiles. For example, living in an area with high unemployment or working in an industry where job security is volatile can prompt an issuer to reduce your credit limit or introduce an annual fee to your account, even if your credit and payment histories are spotless, says David Robertson, owner of the Nilson Report, which tracks credit-card industry trends. “Six issuers control 80% of the market,” he says. “They use very sophisticated programs and are able to slice and dice their portfolio in many ways.”  That said, using sophisticated analytics may cut both ways. Issuers may become more lenient in their lending decisions with consumers who have only recently seen their credit hurt by the loss of a job or home. “Joblessness took down a lot of people who were good, solidly middle-class, good-score customers,” Robertson says. “The question will be, when this person gets a job again, will he return to their profile of an honest, trustworthy customer, but with a lower credit score?”

3. Chasing after college parents

College students used to be among card issuers’ most sought-after customers. They tend to charge beyond their limited means and stay loyal to the first bank with which they do business. What will happen once the CARD Act prohibits them from marketing on campus and restricts their ability to issue cards to anyone under the age of 21? Rather than offering free T-shirts or digital music players to college students, banks will start campaigning to their parents. This year, parents can expect to receive more offers of co-signing a child’s credit card, and many of them will likely tout “parental control” features like the ability to monitor and limit spending. If you’re a college parent, make sure you are aware of the consequences and risks of co-signing a credit card. You will be liable for any unpaid balance and, in the event of a late payment or other negative account activity, a stain on your own credit record.

4. Reinventing secured credit cards

Secured credit cards fell out of favor years ago, when banks started targeting low- or no-credit consumers with so-called subprime credit cards, which were loaded with fees and high interest rates. But with the CARD Act restricting the amount of fees a bank can charge relative to the available credit limit, subprime cards will all but disappear. Millions of consumers have seen their credit damaged by bankruptcy or foreclosure and will need a new way to start rebuilding their credit. One way subprime issuers will continue targeting that demographic will be to look back to secured credit cards, says Odysseas Papadimitriou, the chief executive of Evolution Finance Inc., which publishes CardHub.com, a credit-card comparison web site.

A secured credit card works just like any other card, but it requires the consumer to make a security deposit (usually a minimum of $200 or $300), which then equals their credit limit. Do not confuse these cards with prepaid or debit cards, however: While the bank will keep your deposit (and in some cases even pay you interest on it), you still have to make at least minimum payments to be in good standing, or pay the balance in full to avoid paying interest. Card activity is reported to the three major credit bureaus. For more on secured cards and other products targeting credit-impaired consumers, click here.

5. Introducing debit-card fees

Mindful of their budgets and frustrated with the plethora of fees associated with credit cards, many consumers are turning to debit. They may soon be disappointed to find out that fees are making their way into debit cards, as well, says TowerGroup’s Moroney. “Debit cards are a very thin-margin product. And with the changes in overdraft fees, the banks are going to start charging annual and other types of fees,” he says.

The cards most likely to be subject to an annual fee are debit cards that have rewards programs. Another possibility: the introduction of fees for using your PIN at the point of sale. That’s because banks charge merchants more for signature-based purchases. (Some retailers – including Costco (COST: 58.79, +0.07, +0.11%) – now allow signing for debit purchases. As the battle between retailers and issuers heats up, others may soon follow.) If you are among the growing number of consumers who are shunning their credit cards and turning to debit, make sure you are familiar with your issuer’s PIN and signature policies.

Are You Reaching Your Full Potential?
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Peak Potentials Training

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Ask yourself 5 simple questions:

1. Do I play the money game not to lose?
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3. Do I resent or distrust rich people?
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5. Did I get creamed by this global downturn?

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In T. Harv Eker’s N.Y. Times #1 Bestseller Secrets of the Millionaire Mind, he examines the hardwired programming around money that everyone has, and which unconsciously determines your financial success. This is your Money Blueprint.

Your Money Blueprint is the level of success you’ve subconsciously set for yourself. And unless you change it there’s a good chance you’re destined to be disappointed with money for the rest of your life – in turbulent times and good times.

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MILLIONAIRE MIND INTENSIVE
World Famous Wealth Creation Seminar - Coming to a City Near You

Join the nearly 1 million people whose lives have been positively changed forever at the Millionaire Mind Intensive 3-day seminar

Get COMPLIMENTARY TUITION* to the 3-day seminar!
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Most people don’t know about this secret psychology to money. That’s why most people will NEVER become financially successful. A lack of money is not the problem; it is merely a symptom of what’s going on inside of you.

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“The thing to do is keep your mind when the world around you is losing theirs.”
- WARREN BUFFETT
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If you’re serious about creating a life of abundance, then register for the Millionaire Mind Intensive today. The Millionaire Mind Intensive doesn’t just teach you about your Money Blueprint, it actually changes it - right there, right on site. You’ll walk away with a new blueprint, and the mindset you need to achieve massive wealth now.

Attend the Millionaire Mind Intensive and it will change your life forever. You will learn:

* Wealth creation and maintenance strategies of the rich
* How to quadruple your speed to economic freedom
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* 12 ways to earn passive income so you can make money while you are sleeping
* The key to prospering during an economic recession

More than ever before, having the right mindset and tools is key to financial success.

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“There’s the general economy, and then we each have our own personal economy. The general economy is definitely suffering. MY economy is great.”
- T. HARV EKER
*******************************************************************

If you’re prepared for difficult economic times, and have the right tools, there is no reason to worry about your financial future. You can create your own micro-economy, and a thriving economy.

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MILLIONAIRE MIND INTENSIVE
World Famous Wealth Creation Seminar - Coming to a City Near You

Join the nearly 1 million people whose lives have been positively changed forever at the Millionaire Mind Intensive 3-day seminar

Get COMPLIMENTARY TUITION* to the 3-day seminar!
Enter promotional code AMB1652 when you register at:

www.millionairemind.com or
1.888.868.8883

*Subject to a $100 Seat Deposit.

IMPORTANT: Quote the following reference number so that the person who referred you gets credit for promoting the event: 443164

*******************************************************************

People are scared to death.

They are confused.

They are uncertain.

They’ve lost their confidence and with it, many of their
dreams. Most people have taken on a victim  mentality
and become weak. They are the worriers and the watchers.

You don’t have to join them.  You can be a Wealthy
Warrior instead of a poor worrier.

The true warrior, the enlightened warrior, the Wealthy
Warrior is one who conquers him or herself. The warrior’s
way is the way of action. They come from strength vs.
weakness, courage vs. fear and opportunity vs. obstacles.

How do you become a Wealthy Warrior?

Simple, go to: http://www.wealthywarrior.com
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You must train yourself to be a Wealthy Warrior.

This spring, my friend, T. Harv Eker (best-selling author
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Warrior: How to Succeed in Today’s Economy…
NO MATTER WHAT.

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and trainings many, many times (he’s that good).

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- You will learn specific strategies to not just survive
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acts

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- If you own a business, you’ll learn the single most important
thing you can do right now

- Whether you have investments or not, you will have a
clear plan of what you want to do and unlike many others,
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- When it comes to financial advice, you will learn who to
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Go to: http://www.wealthywarrior.com to find more details
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Be well,

Shavana

CLICK HERE:
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The Wealthy Warrior is premiering in 11 cities across
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The most important part of this money managing system is to separate your income into different accounts (jars) for specific purposes. Below are a list of the different jars and the percentage of your income that should be applied to each of the jars.

List of Jars

Thith (10%)

Play (10%)

Financial Freedom (10%)

Education (5%)

Give (5%)

Necessities (50%)

LTSS (Long Term Savings for Spending) (10%)

Thith  (10%) - Put 10% into your Thith account whenever you receive money, such as your salary. This money is donated to your church or any organization that speads the word or God.

Play  (10%) - Put 10% into your Play account whenever you receive money, such as your salary. You are supposed to spend this money every month to pamper yourself. The key is to BLOW this Play money away every month so that you will feel good about having money and spending it! You should feel guilt-free when you spend this money every single month. Maybe you go for massages once every month, now you can use this money to really pamper yourself by going twice, thrice or as much as you want. Or you can try ordering champagne during dinner at a restaurant if you do not usually do. Or buy yourself a new gadget. Anything outrageous that you can do to pamper yourself and makes you feel really good. You are recommended to BLOW this money every month. However, if you need to save up for things such as short trips getaways that require a little more money, you can accumulate them up to a few months, say a quarter, before you use them.

Financial Freedom (10%) - Put 10% into your FFA whenever you receive money, such as your salary. You must NEVER, NEVER spend the money that you put inside your FFA account. Any money inside the FFA account can only be used to purchase or acquire passive income streams to grow your money. You may spend the interest acquired from the FFA if you choose to, although it is recommended that you do not. Keep the interest inside the FFA to grow your capital and interest faster. Think of your FFA as the golden mother goose that lays you golden eggs, if you spend the money inside the FFA, it is akin to killing your mother goose that will bring you golden eggs (your riches). Instead, keep the baby geese (FFA’s interest) that the mother goose is giving you, and you can grow more baby geese (your wealth) even faster. As you may already get it, the idea is to create a golden goose! You may prefer to think of the FFA as a legacy that you can leave behind for your future generations. If you are one who believes in the law of attraction, this FFA is actually your money magnet. Keep putting more money into your FFA and attract more $$$ into your life! Put $$$ into your FFA account everyday if you can, even if it is just a penny.

Education (5%) - Put 5% into your EDUC whenever you receive money, such as your salary. You can use the EDUC funds for your self-education, for examples, books, seminars and events etc. Everyone needs to learn, especially in this changing world. Grow your comfort zone through learning and doing. If you are not growing, you are dying!Take this quote from Ben Franklin:

“If you think education is expensive, try ignorance!”

Give (5%) - Put 5% into your Give account whenever you receive money, such as your salary. You can use this money for birthdays and Christmas gifts , etc.You can also use the money for donations to charities, use it to help someone in need.  Giving is important.

Necessities (50%) - Put 50% into your NEC whenever you receive money, such as your salary. You should use the funds inside your Necessities account to settle all your essential bills such as phone bills, electricity, clothing, eating, driving, traveling, hair etc. If you cannot survive on 50%, simplify your lifestyle. Instead of driving a car, perhaps you can take public transport, or drive a Honda instead of a BMW. Buy Converse jeans instead of Armani. There are people who cannot live on 50% NEC when they started the JARS system but over time, these same group of people are able to simplify their lives and live on 50% or lesser!

When your usual needs for instant gratification kicks in, think this:

“Wealthy people think Long term. Poor people think Short term.”

Long Term Savings For Spending (10%) - Put 10% into your LTSS whenever you receive money, such as your salary. The money inside LTSS can be used for large expenditure such as savings for your children’s education, buying a house for yourself, buying a car etc.

I found this great article on Oprah’s website.

I wanted to share it with everyone. It give practical grocery shopping advice that you may find helpful during this Recession.

Plan your meals and shopping lists around featured sale items.
• Use your store’s weekly sales ad flier to plan your menus for the week. Then, write your shopping list around the items and brands that are on sale.
• Taking a few minutes to make a detailed plan will save you the time of making unplanned trips to the store during the week—which can ruin your budget.
• Planning ahead also helps you avoid impulse shopping during your trip.

Know how your stores’ savings programs work.
• Do they have “buy one, get one free” deals?
• Do they double coupons?
• Do they offer a store discount cards that gives you automatic discounts?
• Do they have special store coupons?
• Once you know your stores’ rules, you can combine them to pay the lowest possible prices for your items, such as using two coupons with a “buy one, get one free” deal. Combining strategies can result in free items.

Use grocery coupons, ideally when the item is on sale.
• Buy the Sunday newspaper—75 percent of grocery coupons come from the newspaper. Buy two to three copies per week to save dramatically.
• Go online—grocery stores often have their best deals and printable coupons on their websites.
• Many stores offer electronic coupons that go directly on your store discount card.

Stock up on common items when they hit their lowest price.
• Don’t buy a year’s supply, just enough to last until the next sale (two to three weeks).
• Boneless chicken is on sale every other week at Stephanie’s grocery store, so she buys two weeks of boneless chicken every other week to store in her freezer. This habit saves her family of four $325 a year on this one item.

Be flexible about brands and stores.
• Buy the brand that’s on sale with a coupon, or get the store brand if it’s less expensive.
• Shop at the store with the best prices for your items that week.

Why do the rich ALWAYS seem to get ahead when you might be struggling just to get by, be comfortable or reach the next level? The answer lies in your “Money Blueprint” - your hardwired programming around money that is unconsciously causing your financial results.

If you want more out of life… more wealth, more happiness, more fun…the answer is simple; you NEED to change your Money Blueprint, and change it quick!

The Millionaire Mind Intensive 3-day seminar, developed by bestselling author and multi-millionaire T. Harv Eker, doesn’t just teach you about your Money Blueprint, it actually changes it - right there, right on site. You walk out with a brand new blueprint set to achieve massive wealth and all the success you’ve only dreamed of.

Join the nearly 1 million others who’ve already changed their Money Blueprints and their lives.

Click on the link below to see a Video from this exciting seminar and to Register
http://www.millionairemind.com

Attend a FREE Learn to be Rich™ Training where you’ll discover the tools you need to start on the path toward building the wealth you desire.

In addition to the powerful information and ideas that you’ll gain at the training, you’ll also receive the CD “How to Find Great Investments” to help kick start your drive to financial freedom. This dynamic audio CD can help you to identify and evaluate a wealth of money-making opportunities as you discover:

• Key questions to ask yourself before you invest
• How to leverage your money for a better return
• The power of cash flow versus capital gains

This free gift is yours just for attending!

For more information and to sign up visit the following website at www.richdadeducation.com.

Hope to see you there.